EXHIBIT 32.2

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In  connection with the Quarterly Report of Electronic Clearing House, Inc. (the
"Company")  on  Form  10-Q for the period ended June 30, 2004, as filed with the
Securities  and  Exchange Commission on the date hereof (the "Report"), I, Alice
L.  Cheung,  Chief  Financial  Officer  of  the Company, certify, pursuant to 18
U.S.C.  Section  1350,  as adopted pursuant to Section 906 of the Sarbanes-Oxley
Act  of  2002,  that,  to  the  best  of  my  knowledge:

     (1)  The  Report  fully  complies with the requirements of Section 13(a) or
          15(d)  of  the  Securities  Exchange  Act  of  1934;  and

     (2)  The  information  contained  in  the  Report  fairly  presents, in all
          material  respects,  the financial condition and results of operations
          of  the  Company.


/s/  Alice  L.  Cheung



Alice  L.  Cheung
Chief  Financial  Officer
August  12,  2004


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